A framework for assessing perceived trust and security in electronic payments system : a case study of iraq

E-commerce is based on electronic payment systems (EPS) and the growing volume of e-commerce makes EPS more important for both businesses and consumers. The usage of EPS in Iraq is suffering from many difficulties and problems in implementation and consistency although it is considered to be in its...

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Main Author:	Thiab, Ali Shawket
Format:	Thesis
Language:	English English
Published:	2019
Subjects:	H Social Sciences (General) HG Finance
Online Access:	http://eprints.utem.edu.my/id/eprint/24517/1/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf http://eprints.utem.edu.my/id/eprint/24517/2/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf
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institution	Universiti Teknikal Malaysia Melaka
collection	UTeM Repository
language	English English
topic	H Social Sciences (General) HG Finance
spellingShingle	H Social Sciences (General) HG Finance Thiab, Ali Shawket A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
description	E-commerce is based on electronic payment systems (EPS) and the growing volume of e-commerce makes EPS more important for both businesses and consumers. The usage of EPS in Iraq is suffering from many difficulties and problems in implementation and consistency although it is considered to be in its main phases of development. Among the problems are about the users’ perceived security and trust. Perceived security can be defined as a subjective evaluation of the security of the EPS by the consumer, while perceived trust referred to the belief of consumers that e-payment transactions will be processed according to their expectations. The lack of perceived security and trust has been identified as one of the most vital factors slowing the development of e-commerce. This poses a challenge to the Iraq government in realizing the initiatives of e-services particularly in the EPS initial phase, identification phase, build phase, integration phase, fine tune and expansion phase. However, there has been lack of study to advance the understanding in the subject of citizens’ perceived trust and security that affecting the EPS usage in Iraq. This research addresses this gap through an empirical study of perceived trust and security factors in impacting EPS usage in Iraq. In this research a framework is designed to describe the determinant factors of perceived trust and security, its relationship, and the subsequent effect on the EPS use. In order to understand the level of trust in Iraq, a survey was conducted among citizen of Iraqi with different academic levels in regard to trust and security factors. The determinant factors are obtained based on previous research theories, which are: transaction procedure, technical protection, perceived privacy, perceived security, perceived usefulness, and perceived ease of use of EPS. A sample of 422 respondents was analysed through structural equation modelling (SEM); the findings indicate that both perceived trust and security factors have a significant influence on EPS use. The effect of perceived trust on the use of EPS, emphasized as a regression coefficient in the results, has been found to be a strong one. This research contributes to the area of trust and security perception in e-commerce with particular interest on Iraq. The results of this study will be a point-out of the basics framework of trust and security perceptions for electronic payment systems in Iraq. The findings will help the current implementation challenges; in order to conform to the electronic payment systems requirements towards establishments of e-services in Iraq.
format	Thesis
qualification_name	Doctor of Philosophy (PhD.)
qualification_level	Doctorate
author	Thiab, Ali Shawket
author_facet	Thiab, Ali Shawket
author_sort	Thiab, Ali Shawket
title	A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
title_short	A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
title_full	A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
title_fullStr	A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
title_full_unstemmed	A framework for assessing perceived trust and security in electronic payments system : a case study of iraq
title_sort	framework for assessing perceived trust and security in electronic payments system : a case study of iraq
granting_institution	Universiti Teknikal Malaysia Melaka
granting_department	Faculty of Information and Communication Technology
publishDate	2019
url	http://eprints.utem.edu.my/id/eprint/24517/1/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf http://eprints.utem.edu.my/id/eprint/24517/2/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf
_version_	1747834073108185088
spelling	my-utem-ep.245172022-05-19T12:53:58Z A framework for assessing perceived trust and security in electronic payments system : a case study of iraq 2019 Thiab, Ali Shawket H Social Sciences (General) HG Finance E-commerce is based on electronic payment systems (EPS) and the growing volume of e-commerce makes EPS more important for both businesses and consumers. The usage of EPS in Iraq is suffering from many difficulties and problems in implementation and consistency although it is considered to be in its main phases of development. Among the problems are about the users’ perceived security and trust. Perceived security can be defined as a subjective evaluation of the security of the EPS by the consumer, while perceived trust referred to the belief of consumers that e-payment transactions will be processed according to their expectations. The lack of perceived security and trust has been identified as one of the most vital factors slowing the development of e-commerce. This poses a challenge to the Iraq government in realizing the initiatives of e-services particularly in the EPS initial phase, identification phase, build phase, integration phase, fine tune and expansion phase. However, there has been lack of study to advance the understanding in the subject of citizens’ perceived trust and security that affecting the EPS usage in Iraq. This research addresses this gap through an empirical study of perceived trust and security factors in impacting EPS usage in Iraq. In this research a framework is designed to describe the determinant factors of perceived trust and security, its relationship, and the subsequent effect on the EPS use. In order to understand the level of trust in Iraq, a survey was conducted among citizen of Iraqi with different academic levels in regard to trust and security factors. The determinant factors are obtained based on previous research theories, which are: transaction procedure, technical protection, perceived privacy, perceived security, perceived usefulness, and perceived ease of use of EPS. A sample of 422 respondents was analysed through structural equation modelling (SEM); the findings indicate that both perceived trust and security factors have a significant influence on EPS use. The effect of perceived trust on the use of EPS, emphasized as a regression coefficient in the results, has been found to be a strong one. This research contributes to the area of trust and security perception in e-commerce with particular interest on Iraq. The results of this study will be a point-out of the basics framework of trust and security perceptions for electronic payment systems in Iraq. The findings will help the current implementation challenges; in order to conform to the electronic payment systems requirements towards establishments of e-services in Iraq. 2019 Thesis http://eprints.utem.edu.my/id/eprint/24517/ http://eprints.utem.edu.my/id/eprint/24517/1/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf text en public http://eprints.utem.edu.my/id/eprint/24517/2/A%20Framework%20For%20Assessing%20Perceived%20Trust%20And%20Security%20In%20Electronic%20Payments%20System%20A%20Case%20Study%20Of%20Iraq.pdf text en validuser https://plh.utem.edu.my/cgi-bin/koha/opac-detail.pl?biblionumber=117150 phd doctoral Universiti Teknikal Malaysia Melaka Faculty of Information and Communication Technology 1. Abdi, H. and Williams, L. J., 2010. Principal component analysis. Wiley Interdisciplinary Reviews: Computational Statistics, 2, pp. 433-459. 2. Abdulwahid, H. S., Mutalib, A. 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